In other words, access of lower-income households to banking facilities so that it's easier for them to save.

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Independent auditor Deloitte warned that a failure to secure new banking facilities "would cast doubt on its ability to continue".

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Their product consists of an online broking account through which customers can, among other things, trade domestic and international shares, make use of online banking facilities and read Merrill Lynch's global investment research.

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The company warned that if all resolutions were not passed at the meeting, the group would be in default of its banking facilities and it would have insufficient cash to allow it to continue to trade.

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It has plans to modernise the undercapitalised banking system, which currently has no facilities for electronic payments and only a rudimentary process for cheque-clearing.

ECONOMIST: Struggling to pick up the pieces | The